Fees and costs

What you need to know

Below is a brief overview of the fees and costs that may be applicable to your superannuation with Australian Ethical.

You need to read our superannuation product guide (PDS) for the full list and explanation of fees and costs, as well as examples on how these fees and costs affect your investment.

TYPE OF FEE OR COST AMOUNT
Fees when your money moves in or out of the Fund
Establishment fee
The fee to open your investment		 NIL
Contribution fee
 The fee on each amount contributed to your investment – either by you or your employer

3.6% for contributions to Conservative, Balanced, Growth, Smaller Companies and International Shares

0.5% for contributions to Defensive

NIL for contributions to Climate Advocacy

We reduce this fee for direct contributions of $6000 and above

There are rollover contribution fees between 0% - 2% on super transfers from another fund

This fee may be negotiable if you retain a licensed financial adviser

A 0.5% discount may apply if your employer has chosen us as their default fund or is in a participation agreement with us

Termination fee
The fee to close your investment		 NIL
Management costs: fees and costs for managing your investment
Member fee $51.25 per annum
Plus
Administration and investment management fee

1.9% per annum for Balanced, Growth, Smaller Companies and International Shares

1.13% per annum for Defensive and Conservative

1.1% per annum for Climate Advocacy
Plus
Indirect costs

0.67% for Defensive

0.48% for Balanced

0.43% for Growth

0.37% for Smaller Companies

0.54% for International Shares

Conservative has no history of indirect costs, and it is anticipated to be similar to Balanced

Climate Advocacy has no history of indirect costs, and it is anticipated to be similar to Smaller Companies
Service fees 
Investment switching fee
The fee for changing investment options		 0% - 3.075% when switching from an investment with a lower contribution fee to one with a higher contribution fee